Home Refinance Loan Ratesin Kentucky

Looking to refinance your existing mortgage loan? Use ERATE®'s rate chart to compare today's top rates in Kentucky and find a lender that's the best fit for you. We recommend that you reach out to at least 2 to 3 mortgage lenders for your refinance loan to ensure you get the best rate and pricing.

(Last Updated: 05/19/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.539% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.950 Points$3,040 Points Fee
$9,840 Total Fees$6,800 Lender Fees
 30 Years Fixed
6.566% APR 6.490% Rate 30 day rate lock $2,021 Payment per month
0.796 Points$2,547 Points Fee
$2,547 Total Fees$0 Lender Fees
 30 Years Fixed
6.704% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.813 Points$2,602 Points Fee
$2,602 Total Fees$0 Lender Fees
 30 Years Fixed
6.731% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.626 Points$2,003 Points Fee
$3,497 Total Fees$1,494 Lender Fees
 30 Years Fixed
6.993% APR 6.875% Rate 30 day rate lock $2,103 Payment per month
0.736 Points$2,355 Points Fee
$3,850 Total Fees$1,495 Lender Fees
 30 Years Fixed
Low rates, quick quote & approval
Refinance to lower your rate
Discover multiple refinance options
Refi from your sofa. It’s surprisingly simple.
6.556% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.584 Points$1,869 Points Fee
$1,869 Total Fees$0 Lender Fees
 30 Years Fixed
Updating Rates...
Updating Rates...
Rate data provided by RateUpdate.com. Displayed by Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details.
Family moving in

Kentucky Cities Resource

Choose your city below to view local mortgage lenders in your area: